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As far as leasing goes, head down to the cars for sale forum on here and pic up a nice used FRS for close to 20k. My local credit union is offering 1.9% on USED cars, that's close to borrowing money for free. Remember, the cost of a car isn't what you buy it for, it's what you buy it for minus what you sell it for (depreciation). So let's say you buy a used FRS for 20k, sell it for 15k 3 years later, you only payed $139 in deprecation per month. Much less than the lease.
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